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  • Activation And Deactivation Of Credit Card Auto Debit Facility

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  • A credit card is an exciting banking product offered by several banking companies today. It enables users pay merchandisers for services and commodities on the basis of users’ promises to credit card companies.

    Credit cards differ from cash cards and charge cards, and provide significant benefits to cardholders, including an auto debit facility. What is an auto debit? An auto debit is a money transfer slated on a specific date to remit recurrent bills such as home mortgage EMIs, property loans, vehicle loans, utility bills, credit card bills, etc. The credit cardholders who enroll for an auto debit service are entitled to receive significant benefits.

    Activation Of Credit Card Auto Debit Facility Online

    An auto debit facility on credit cards is offered upon a request made by cardholders, but it is not compulsory. Whether or not to use this facility is left at the discretion of credit card users. This option holds good for some people, but not for all.

    Different people have different opinions when it comes to making payments. Some people prefer making payments online while others do not. The credit card auto debit can be activated online within a few minutes. For more details, the customer care professionals of respective bankers can be contacted.

    Prime Benefits Of Credit Card Auto Debit Feature

    The activation of credit card auto debit offers significant advantages. The prime benefits are listed below:

    • Timely and consistent payments can be assured and time can be saved.
    • Customers avoid paying unnecessary late payment fees and charges.
    • It is the most convenient option to make payments online.
    • The risk of identity theft can be lessened.
    • Cardholders can build and maintain a credit history through consistent payments. They can also get reward points and build a good credit score.
    • It offers flexibility in terms of payment methods, which are two in number: 1) total amount due (TAD) and 2) minimum due amount (MDA).

    Demerits Of Activating Credit Card Auto Debit Facility

    • Customers may lose track on monthly bills since they are automatically paid.
    • Sometimes, a few companies may ask customer pay a fee for offering this facility.
    • Stopping automatic payments may be difficult.
    • Customers should have an adequate account balance. If not, they have to pay bank overdraft fees.

    Deactivation Of Credit Card Auto Debit Facility Online

    The deactivation of credit card auto debit can be done online by following the guidelines provided by your bankers. Experts suggest not to deactivate an auto debit facility unless you really require it. The deactivation of credit card auto debit can be initiated whenever you want. The following are a few circumstances that necessitate you to deactivate the auto debit facility on your credit cards:

    • When you change a job, you may or may not continue banking with the previous bank account and credit card account,
    • When you want to close the existing credit card account and obtain new offers,
    • When you change the job location and,
    • When the bank balance is insufficient to make payments.

    Merits Of Deactivating Credit Card Auto Debit Feature

    Monthly payments can be tracked easily by customers who prefer making payments in cash. The deactivation of credit card auto debit has been a good option from the stance of the people, who cannot maintain consistent cash inflows. It holds appropriate for multiple credit cardholders as well.

    Demerits Of Deactivating Credit Card Auto Debit Facility

    • Credibility and credit scores may be affected negatively.
    • Other payment options consume time.
    • The people who have not enrolled for this facility may face the risk of identity theft.
    • Sometimes, you may default on payments. Late payments attract late payment fees and charges, which in turn overburden your financial obligations.

    Process To Activate SBI Credit Card Auto Debit Facility

    SBI customers are required to download the auto debit activation form from the website of the bank, which is www.sbicard.com, and then the form should be filled in and cross-validated by your concerned banker. The physical copy should be sent to the below cited address:

    SBI Cards and Payment Services Private Limited

    P.O. Bag No.28, GPO, New Delhi – 110001

    Details to be furnished in an auto debit form for SBI credit cardholders

    • You have to furnish your SBI account number and SBI credit card number.
    • You have to specify any one of the two payment options: 1) minimum amount due (MAD) and 2) total amount due (TAD).
    • Personal details such as name, address, Email id and contact number should be furnished.
    • You have to specify the name and address of your bank branch along with the code of the branch.

    Process To Deactivate SBI Credit Card Auto Debit Feature

    You have to download the auto debit deactivation letter from the official website of the bank, which is www.sbicard.com, and then you have to fill it. The letter should be sent to the below mentioned address:

    SBI Cards and Payment Services Private Limited

    P.O. Bag No.28, GPO, New Delhi – 110001

    This is how you can stop the facility of credit card auto debit offline.

    Process To Activate HDFC Credit Card Auto Debit Facility

    HDFC customers have to follow the below mentioned steps to activate the credit card auto debit online:

    For new bills

    1. Login to HDFC internet banking using your credentials.
    2. Once you are logged in, please find the ‘Billpay and Recharge’ button.
    3. Click the ‘Billpay and Recharge’ button. Upon clicking the button, you will find the ‘Add Biller’ button.
    4. Click the ‘Add Biller’ button, you will find the ‘Enter new bill details’ button.
    5. You have to choose the credit card option and standing instruction.

    For registered bills

    1. Login to HDFC internet banking using your credentials.
    2. Once you are logged in, please find the ‘Billpay and Recharge’ button.
    3. Click the ‘Billpay and Recharge’ button. Upon clicking the button, you will find the ‘Standing Instruction’ button.
    4. Click on Modify, Delete and Set in order to choose the bill for which you are willing to set standing instruction for.
    5. Click on Set and then furnish your credit card details, including the credit card number and the expiry date.

    Process To Deactivate HDFC Credit Card Auto Debit Facility

    HDFC customers can deactivate the credit card auto debit facility online by following the below cited steps:

    1. Log on to your HDFC internet banking.
    2. Find the ‘Bill Pay and Recharge’ button and click.
    3. Click the ‘Continue’ button.
    4. Click the ‘Standing Instruction’ button.
    5. Click the ‘View/Stop Scheduled Bills’ button.
    6. Find the name of the biller and click the ‘Stop’ button.
    7. Find the ‘My Billers’ button and click.
    8. Click the ‘View/Delete Billers’ button.

    Step 9) Now, the screen will display the list of active billers. Click the blue ‘Trash’ icon to remove the biller.

    Process To Activate ICICI Credit Card Auto Debit Facility

    ICICI Credit Card Auto Debit Activation Online

    ICICI customers can activate the credit card auto debit service online. To do it, one must have online banking service enabled. If not, you should obtain online banking credentials.

    Once you are logged in to your ICICI online banking, Click the ‘’My Accounts’ button and navigate to ‘Credit Cards’ section.

    Find the ‘Auto Debit Setup’ button and click. Find the ‘Auto Debit Instructions Confirmation’ button and click. This is the field that requires you to choose your credit card and bank account number. Set Up Auto Debit should be set to ‘Yes’. Finally, you should choose the mode of payment of your choice.

    Click the ‘Submit’ button. You are done!

    Process To Deactivate ICICI Credit Card Auto Debit Facility

    1. Login to ICICI net banking using your credentials.
    2. Navigate to ‘My Accounts’ section and select the ‘Credit Cards’ button.
    3. Click the ‘Credit Cards’ button to find the ‘Auto Debit Set Up’ button.
    4. Set the status of Set Up Auto Debit to ‘No’.

    Process To Activate Axis Bank Credit Card Auto Debit Facility

    1. Log on to you Axis bank online banking using your credentials.
    2. Click the ‘Cards’ button and select the ‘Auto Debit’ option.
    3. Choose the credit card number and click the ‘Submit’ button.
    4. Select the payment option. It should be either Total Amount Due or Minimum Amount Due. Hit the ‘Submit’ button.
    5. Provide OTP. You are done!

    Process To Deactivate Axis Bank Credit Card Auto Debit Facility

    Axis Bank customers can stop the credit card auto debit service online. No funds shall be transferred to your billers once you deregister the Axis credit card auto debit facility. If you don’t have credentials for accessing Axis Bank internet banking, be sure to get it.

    Process To Activate Citibank Credit Card Auto Debit Facility

    1. Login to Citibank internet banking.
    2. Click the ‘Payment’ button and the ‘Manage Autopay’ button.
    3. Click the ‘Enroll on the Account’ button and choose the account you want to sing up.

    How To Deactivate Citibank Credit Card Auto Debit Online

    The facility of Citibank credit card auto debit can be deactivated online to assure that no funds are transmitted to billers. Make sure your Citibank online banking is enabled. If not, get it done.

      

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    Activation And Deactivation Of Credit Card Auto Debit Facility Reviews

    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card through Shopping Mall.This card is a chargeable card for the past 5 months .I have got all the required details about the card process through the agent .I have got this credit card within a week time .I have not faced any drawbacks while submitting the documents.
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      , kovilpatti
      Reviewed on Oct 12, 2019
    • Citibank
      Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am having CIti Bank credit card which was availed through Bank direclty .I am using this credit card for the past 3 to 4 months .This was a free card and the credit limit was good and it was upto 75,000 and it was sufficient as well .I have got all the details about the card process very clearly through the agent.
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      , hyderabad
      Reviewed on Oct 12, 2019
    • Axis Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      One year before I had applied for a master credit card with AXIS bank. Once the verification done I received a card by 4 days. The credit limit is nominal before given for 25 thousands but now enhanced to 34 thousands. EMI option is applicable and charges are nominal. I use for shopping and fuel purposes I get reward points.
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      , sivakasi
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Medium"
      0.5 4.0/5 "Great!"
      I had applied for a credit card with SBI on a month before which was processed through an online. My friend is working in that bank so process was done on smooth. But suddenly felt to not process for further for this card process so intimate to bank to close it.
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      , madurai
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    • IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using Indusind Bank credit card which was taken through Bank directly .I am having this card for the past 2 months ,I have got the credit within a week.I have got all the details about the card process very clearly .There are very useful reward points as well as cash back offers .I am really satisfied with the service so far .
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      , mumbai
      Reviewed on Oct 12, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am having HDFC Bank credit card for the past 15 days only ,I have availed this credit card through Bank directly ,I have got a clear picture about the card process through the agent ,This was a free card and there was no difficulties faced while submitting the documents .I am really satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 12, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      From INDUSIND BANK LTD I am holding a credit card for the past 4 months before. I have applied for a card directly to them. It is a life time free credit card and the credit limit is given for 50 thousands only. EMI option is not applicable is applicable and charges are nominal. I use this card for medical and shopping purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2019
    • ICICI Bank Credit Card
      "Need to provide an EMI option"
      0.5 3.5/5 "Pretty good"
      On 4 months before I have applied for a credit card with ICICI bank directly to them. It is a life time free credit card and the credit limit is given for 30 thousands only for this card. EMI option is not applicable. I use this card for many purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2019
    • HDFC Bank Credit Card
      "Need to provide an EMI option"
      0.5 3.5/5 "Pretty good"
      I am having a credit card with HDFC bank for the past few months only which was processed through bank directly. It is a life time free credit card and the credit limit is much sufficient for this card. EMI option is not applicable. So far no issues I had faced from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Bank credit card which was directly availed through Bank.I am using this credit card for the past 1 year,This was a coral card and got all the relevant information about the card process through the agent.This was a paperless approval and i a m comfortable on using this card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 12, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Mahindra Bank credit card which was taken through Bank directly.I am using this credit card for the past 2.5 years and the credit limit was upto 2 lakhs it is really sufficient as well.There are really good reward points as well as cash back offers.I am comfortable on using this credit card .
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      , kakinada
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    • RBL Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      For the past 2 years I am using RATNAKAR BANK platinum credit card through them processed directly. It is an annual fee chargeable of rupees 500. But the credit limit was given only for 35 thousands and yet to enhance it. EMI option is applicable and it is nominal. I use this card for fuel purpose. Based on the usage I get reward points.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI bank simply credit card for more than 2 years which was process through bank directly. It is an annual fee chargeable of 500 rupees.But the credit limit was given only for 10 thousands. There is an option for EMI and charges are nominal. I use this card for shopping and fuel purposes.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 12, 2019
    • YES Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Yes Bank credit card which was directly taken through Bank.I am using this credit card for the past 6 months,This was a free card and the credit limit was really sufficient .I have got good reward points as well as cash back offers .I am really satisfied with the service .
      Was this review helpful? 0
      , thane
      Reviewed on Oct 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card which was direclty taken through Bank .I am using this credit card for the past 8 months only .The credit limit was pretty good t was upto 50,000,I have got my creidt card on time without any delay .I have got all the relevant information about this credit also through the agent.
      Was this review helpful? 1
      , bharuch
      Reviewed on Oct 11, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Ratnakar Bank credit card which was taken through Bank .The credit limit was 40,000 and this was a free card ,Customer service is quite average .Cash back offers are very good and got all the required details about the credit card very clearly through the agent .
      Was this review helpful? 0
      , bharuch
      Reviewed on Oct 11, 2019
    • Punjab National Bank Credit Card
      "Very Simple to use"
      0.5 5.0/5 "Blown Away!"
      PNB charges are quite less and convenient. PNB card is very simple and there is no annual fee, financial charges and no late fee. I can easily convert the rewards points into cash by making a single call. PNB customer care support is very good and easily available for all the time. There is no such offers like other credit card.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • SBI Cards Credit Card
      "SBI card is best"
      0.5 5.0/5 "Blown Away!"
      There is some discount in online for SBI credit card. There is no hidden charges deducted so far and they are providing flexi pay option. The financial charges and late fee charges are less. They have provided me a credit limit of Rs. 1.50 lakhs and there is a annual fee of Rs. 450. I am using the simplysave credit card.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "HDFC card is acceptable everywhere"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is better than other cards. I have a HDFC money back credit card so i get a rewards points whenever I'm doing the transaction or purchases those rewards points, i can easily converted into cash. There are lots of EMI conversion done from this card. If i purchase in online and converting those transaction into EMI at that time, there is no charges. Due to some personal reason, if a customer unable to make the payment on a due date, they are charging me a huge late fee and interest rate.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card which was directly taken through Bank .I am using this credit card for the past 6 months only.The credit limit was good and it was 30,000 and this is a chargeable card.I have got god cash back offers as well as reward points ,I have got my credit card on time without any hassle.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 11, 2019
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